INTRODUCTION

 

These Terms of Service (“Terms”) outline the conditions under which you may access and use the services provided by Ryan Murray Financial Services LLC DBA Murray Mortgage Solutions (“Murray Mortgage Solutions,” “we,” “our,” or “us”). Our services include, but are not limited to, access to our website, use of third-party platforms such as the Arive™ Loan Origination System, communication channels, and any other services or resources we make available. By accessing or using our services, you acknowledge and agree to these Terms in full. If you do not accept these Terms, you are not permitted to use our services.

 

Users acknowledge that third-party platforms may have their own Terms and Privacy Policies, which users agree to by accessing such services. By visiting and/or using this Website, including any of the services offered on this Website, you agree to be bound by these Terms of Use, whether or not you complete a transaction with us; and, whether or not you complete your transaction on the Website or through the use of telephone, fax, email, postal mail, overnight delivery services, or otherwise. By using this Website you acknowledge that certain features of this Website and products and/or services of Murray Mortgage Solutions may be subject to additional terms, conditions and disclaimers.

 

If you do not agree to these Terms of Use, you are not authorized to use this Website, or any of the services that Murray Mortgage Solutions may offer through this website. Murray Mortgage Solutions reserves the right to, in its sole discretion and without notice, deny you access and/or use of this Website, or are services, for any reason or no reason at all. Murray Mortgage Solutions is licensed as set forth on the Website which is incorporated into this Agreement by reference. The disclosures and consents required under certain state laws are deemed to be provided, received and agreed to by your visit to and/or use of the website.

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RIGHT TO REFUSE SERVICE

Murray Mortgage Solutions reserves the right to decline service or terminate an application or any other service at our sole discretion, particularly in cases where suspected fraud, misrepresentation, or any activity compromising the integrity of the mortgage process is identified. This may include, but is not limited to, situations where the financial structure or loan terms may not align with our business model, resource availability, or operational capacity. We will always endeavor to communicate such decisions respectfully and transparently, while offering guidance or referrals where appropriate. This policy is in accordance with federal and state lending laws and is intended to ensure compliance and maintain ethical standards.

While we reserve the right to decline applications or services based on legitimate business considerations, such as loan amounts that do not meet our minimum thresholds or resource-intensive transactions, we strictly adhere to all applicable fair lending laws and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or any other protected characteristic.

 

 

INFORMATION SUBJECT TO CHANGE
Although Murray Mortgage Solutions has tried to provide accurate and timely information, the content of this site may not be accurate, complete and/or current and may include typographical errors or technical inaccuracies. The information and materials contained in these pages, and the terms, conditions and descriptions that appear on this site, are subject to change at any time without notice. Murray Mortgage Solutions may change the products, services and other information identified on this site at any time. Applicable terms, conditions and eligibility requirements are subject to change and not all products and services are available in all geographic areas. The information published on this site is provided as a convenience to our visitors and is for informational purposes only. You should verify all information before relying on it and any decisions which you may make based upon the information contained on this site shall be at your sole risk and responsibility. Your eligibility for particular products and services is subject to final approval, determination and acceptance by Murray Mortgage Solutions and/or our Lending Partners.

OTHER SITES

This site may contain links to other sites on the Internet and such links are provided solely for the convenience of our visitors. Murray Mortgage Solutions does not, unless otherwise expressly stated, endorse, control, approve or sponsor the linked sites or advertisements contained thereon. Murray Mortgage Solutions hereby disclaims liability for any other company’s website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and Terms of Use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not us. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.

DISCLAIMER OF WARRANTIES

The information and materials contained in this site, including text, graphics, links or other items are provided “as-is” and “as available” and Murray Mortgage Solutions does not warrant the accuracy, adequacy or completeness of such information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including, but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, or other malware, is given in conjunction with such information and materials.

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You acknowledge that neither Murray Mortgage Solutions, its affiliates(if applicable) nor any of their respective employees, agents, third party content providers or licensors warrant that the services or the site will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of the services or the site, or as to the timeliness, sequence, accuracy, reliability, completeness or content of any information, service, or merchandise provided through the services and the site. Murray Mortgage Solutions does not endorse products or services appearing on linked sites or purchased via linked sites.

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Except as specifically provided in this agreement or where the law requires a different standard, you agree that Murray Mortgage Solutions is not responsible for any loss, property damage or bodily injury, whether caused by access to or use of the services or the site. To the maximum extent permissible under applicable law, Murray Mortgage Solutions will not be responsible to you or any third party claiming through you for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation or use of the services, the site, any on-line services or internet browser software, including liability associated with any computer viruses which may infect your computer system.

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LIMITATION OF LIABILITY

In no event will Murray Mortgage Solutions be liable for any damages, including, without limitation: direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or link or system failure, even if Murray Mortgage Solutions or representatives thereof are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored or endorsed by Murray Mortgage Solutions. 

INDEMNIFICATION

You agree to defend, indemnify and hold harmless Murray Mortgage Solutions., its affiliates, vendors and all directors, officers, employees and agents of Murray Mortgage Solutions and its affiliates and vendors from and against any claim, demand, damages, liabilities, suit, expenses, costs or proceeding, including attorney’s fees and court costs, that relates to or is based on your violation of these Terms of Use or misuse of the Website, or any services available from Murray Mortgage Solutions through the Website, including such violation or misuses conducted by your employee or agent, if applicable.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Website, you agree and warrant to Murray Mortgage Solutions that you will not use or access this Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If your use or access violates any law or any of these terms or conditions, your permission to use the Website automatically terminates.

SECURITY

You are prohibited from violating or attempting to violate the security of the Website, including, without limitation: (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. Murray Mortgage Solutions will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. Third-party platforms used to process or store client information operate under their own privacy policies and security measures. Murray Mortgage Solutions takes reasonable steps to ensure compliance but is not liable for breaches occurring outside its systems.

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COPYRIGHTS AND TRADEMARKS

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and their arrangement is owned/licensed by Murray Mortgage Solutions. unless otherwise indicated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Website include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Website. You are authorized to view the information available on the Website for your informational purposes only. If you download any information from this site for your personal reference you shall not obscure any copyright, trademark or other notices, and you acknowledge and agree that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, republish, redistribute, transmit, participate in the transmission of, create derivatives of, alter, edit or exploit in any manner any material including by storage on retrieval systems, without the express written permission of Murray Mortgage Solutions.. Deliberate misuse of this site is expressly prohibited and Murray Mortgage Solutions reserves the right to terminate your access to this site at any time for any reason and to advise the legal authorities of any misuse of this site, including, without limitation, hacking and the introduction of viruses or other malware. 

EMAIL & ONLINE INFORMATION REQUESTS

Please note that messages you send Murray Mortgage Solutions by e-mail may not be secure and Murray Mortgage Solutions recommends that you do not send any confidential information to Murray Mortgage Solutions by e-mail. If you choose to send confidential information to Murray Mortgage Solutions via e-mail, you accept all risk that such information may be intercepted by a third party.

 

By submitting your information to Murray Mortgage Solutions through this Website or by any other method, you are inquiring about loan products and/or other Murray Mortgage Solutions services and give Murray Mortgage Solutions permission to contact you via e-mail, telephone, letter, fax or using any other information you provide, regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry.

MARKETING AND COMMUNICATIONS

Communications: By submitting any comment, complaint, suggestion, improvement, idea, testimonial or other communication (“Submission” or collectively “Submissions”) to Murray Mortgage Solutions through this Website or any other method, you acknowledge and agree that all Submissions, and all rights therein, become the sole and exclusive property of Murray Mortgage Solutions. including any future rights, regardless of any subsequent modification or deletion of the provisions in the Terms of Use. You acknowledge and agree that you irrevocably disclaim any right in the Submission and that the right to use, publish, display, commercially exploit, and create derivative ideas based on the submission belong exclusively to Murray Mortgage Solutions with no compensation, notice, credit or other obligation being due or owed to you or anyone else.

Murray Mortgage Solutions reserves the right to record and monitor any and all communications to Murray Mortgage Solutions. By communicating with Murray Mortgage Solutions through any means, you consent to such communications being recorded and monitored.

Post-Closing Marketing and Social Media Policy: As part of our ongoing marketing efforts, Murray Mortgage Solutions may share "Loan Closed" announcements on our website, social media platforms, or other promotional materials. These announcements may include general, non-identifying details about the closed loan, such as the city where the property is located, and, in some cases, an exterior photo of the property. We are committed to maintaining your privacy and will never disclose personal information such as your name, full address, or any other identifying details in these posts. These posts would only be applicable to those who completed an application and closed a loan with us. 

By closing your loan with Murray Mortgage Solutions, you acknowledge and agree to the potential use of general, non-identifying property details as described above, unless you explicitly opt out. Any photos or details used in marketing will comply with applicable privacy laws and ensure your personal information is protected.

If you prefer not to have your property or loan included in these post-closing marketing materials, you may opt out at any time by contacting us at 231-838-7068 or emailing ryan@murraymsolutions.com. Opting out will not impact your ability to receive our services or affect your relationship with Murray Mortgage Solutions.

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PRIVACY
Murray Mortgage Solutions understands the need to safeguard your information from unauthorized use and disclosure. Please see the Murray Mortgage Solutions Privacy Policy by clicking on the link at the bottom of our Website in the Footer.

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GENERAL
Murray Mortgage Solutions reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Website in the Footer. By continuing to use the Website and the services available through it, after the date of any change to these Terms of Use, including accessing the Website, you agree to be bound by the rules contained in the most recent version of this Agreement.

GOVERNING LAW
You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Michigan, without giving effect to any principles of conflicts of law. 

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SEVERABILITY

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

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ADA 
Murray Mortgage Solutions is committed to ensuring our website and services are accessible to individuals with disabilities. If you experience any barriers accessing this Website, please contact us at the phone number and/or email listed at the end of this document.

DISPUTE RESOLUTION
Any disputes arising under these Terms or related to services provided by Murray Mortgage Solutions shall first be submitted to mediation before proceeding to arbitration in the State of Michigan.

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CONTACT AND VIOLATIONS
Please contact us with any questions regarding these Terms of Use. 
Murray Mortgage Solutions
NMLS# 2429252
Phone: 231-838-7068
Email: ryan@murraymsolutions.com